Fixed index annuity review and rates
Athene BCA 8 2.0 FER (NV Only)
BCA 2.0 is a single-premium fixed indexed annuity that combines growth opportunities and protection from downside market risk.
Available in states:
NV
Allocation Accounts
| Name | Type | Rates |
|---|---|---|
| 2-Year Shiller Barclays Global PTP Participation Rate |
Point to Point
Biennial
|
190%
Participation
|
| 2-Year Merrill Lynch RPM PTP Participation Rate |
Point to Point
Biennial
|
200%
Participation
|
| 2-Year Merrill Lynch RPM PTP Participation Rate |
Point to Point
Biennial
|
245%
Participation
|
| 2-Year WisdomTree Siegel Strategic Value PTP Participation Rate |
Point to Point
Biennial
|
190%
Participation
|
| 2-Year WisdomTree Siegel Strategic Value PTP Participation Rate |
Point to Point
Biennial
|
235%
Participation
|
| 2-Year S&P 500 PTP Participation Rate |
Point to Point
Biennial
|
42%
Participation
|
| 2-Year S&P 500 PTP Participation Rate |
Point to Point
Biennial
|
57%
Participation
|
| 2-Year Shiller Barclays Global PTP Participation Rate |
Point to Point
Biennial
|
235%
Participation
|
| 2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate |
Point to Point
Biennial
|
190%
Participation
|
| 2-Year Shiller Barclays CAPE Allocator 6 PTP Participation Rate |
Point to Point
Biennial
|
235%
Participation
|
| 2-Year Citi Grandmaster PTP Participation Rate |
Point to Point
Biennial
|
275%
Participation
|
| 2-Year Citi Grandmaster PTP Participation Rate |
Point to Point
Biennial
|
335%
Participation
|
Surrender schedule
| Year | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
|---|---|---|---|---|---|---|---|---|
| Penalty | 10% | 9% | 8% | 7% | 6% | 5% | 4% | 3% |
Riders
| Name | Inbuilt | Fee |
|---|---|---|
| BCA 2.0 FER Death Benefit | Yes | 0.85% annually |
| BCA 8 2.0 SGO Max w/FER | No | 1.00% annually (1.40% max) |
| BCA 8 2.0 Flex Growth w/FER | No | 1.00% annually |
Athene Annuity and Life Company
Founded:
1909
A.M. Best:
A
Fitch:
A+
S&P:
A
Moody's:
A1
Brochure
Free withdrawal
1st year: 5%
2nd+ year: 10%
2nd+ year: 10%
Premium bonus
4%
Surrender schedule
8 years
Return of premium
Market value adjustment
Minimum contribution
$10,000
Types of funds
Non-Qualified, 401k, Profit Sharing, IRA, Spousal IRA, Pension, IRA Rollover, IRA Transfer, TSA 403b, SEP IRA, KEOGH, and IRA-Roth